Built on faith
Every product, every decision — anchored in Shariah principles and overseen by an independent Shariah Supervisory Board.
South Africa's Premier
Shariah Financial Services
Platform Ethical family protection.
Shariah Financial Services
Platform
Ethical family protection.
Halaal Investing and Wealth Creation.
Professional Fiduciary Services and Advice.
Premium Halaal Rewards.
One seamless ecosystem built for the modern South African Family.
Fully FSCA Regulated. Shariah Certified.
Built with your Islamic Values in mind.
Prosperity With Purpose
Four IZDARA Pillars.
One Seamless Platform.
Secure your family's future with the IZDARA range of Shariah-compliant Takaful products and services. Smart ethical decisions now mean total peace of mind later - all underpinned by a modern-day rewards and lifestyle benefit platform.
Family Protection
Takaful (Mutual Insurance)
Shariah-compliant Takaful Cover to provide for the people you love.
Life, Funeral Expenses, Dread Disease, Disability, All Woman Cover, Expense Protection and Estate Expenses Cover - structured around mutual giving, not exchange.
Discover Shariah InvestingWealth & Investments
Grow your wealth without compromising your faith.
Wide range of local Shariah compliant Investment Funds to select from.
Discover Wills & Estate PlanningAdvisory Services
Professional Wills and Estate Planning from one of South Africa's specialist fiduciary services firms.
Takaful Cover for Executor Costs and Estate Duty Taxes.
Discover Lifestyle BenefitsRewards
A Loyalty & Rewards Program curated for your Halaal way of life.
Discounts & deals on dining, retail, travel, hospitality, automotive, sport & experiences and much more.
Referral Fee & cash-back offers to boost your I-Wallet balance.
Discover Our Promise
Three commitments that define Izdara.
Built on regulation
Regulated by the Financial Services Sector Authority (FSCA). Designed to meet the highest standards of customer protection, market integrity & financial education while treating customers with fairness.
Built around you
A platform shaped around the needs of the modern South African Muslim family - your Islamic values, your goals, your vision, your future.
Protection, the way your faith intends.
Conventional Life insurance is not permissible in Islam because it violates core Shariah principles through elements of Uncertainty, Interest & Gambling.
Conventional Insurance
What's to be avoided
Riba (Interest) Contributions are accumulated & invested into conventional & interest bearing investments & assets. Allows wealth to grow without shared risk or productive effort.
Maysir (Gambling & Speculation) Element of chance. One party's gain relies on another party's loss. You pay a premium to an insurer in exchange for a promise of indemnity or payout.
Gharar (Excessive Uncertainty) Neither party knows if or when a claim will happen.
Policyholder does not know if or when they will receive a payout, or how much they will 'lose' by paying premiums for years with no claim.
The Izdara Takaful Way
How we're different
Tabarru' (Voluntary Contribution) Participants make a voluntary donation into a common fund (Participant's Risk Fund) and is made with the explicit intention of helping fellow participants who suffer a covered loss - not to receive a guaranteed return themselves.
Shariah-compliant Investment Funds Contributions are invested only in Shariah-compliant instruments - sukuk instead of conventional bonds, Shariah-compliant equities, Islamic money market funds etc.
Surplus Shared Back Surplus accumulated in the Participant Risk Fund after all expenses and claims are paid remains with the Participants to protect against future claims or build reserves and strengthen solvency.
What would your family truly need?
The figures shown below are purely an illustration designed to help you visualize the financial impact on a family in the event of the loss of a breadwinner. Speak to your Broker or Financial Advisor to determine actual level of cover required.
This is a simple estimate to help you start the conversation — not financial advice. Your actual needs depend on your full circumstances. Speak to an IZDARA accredited Broker or Financial Advisor.
Let's build your Shariah-compliant plan
JOIN IZDARA
Your ethical, Shariah-compliant journey towards wealth creation, family protection, and a modern-day halal lifestyle and rewards programme starts now.
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